公共财政解决国家助学贷款发放困境的可行性分析

国家助学贷款发放工作始终面临着银行"惜贷"、学生拖欠形成恶性循环、高校扩招带来教育成本转移以及财政性教育支出不足等问题.随着国家财政收入的增加,以公共财政解决国家助学贷款发放问题具有了可行性.国家助学贷款要摒弃以商业银行为主提供国家助学贷款的做法,转而以公共财政投入为主,解决国家助学贷款发放问题.建立国家助学贷款专门机构、国家助学贷款资金的筹集多样化、加强国家助学贷款资金的管理、建立公共财政承担国家助学贷款资金的风险承担机制.

Feasibility Analysis of Solving National Student Loan Dilemma by Public Finance

China started the implementation of national student loan policy as early as 1999.Over the last decade,governments at all levels,national student loan management institutions,and universities have made positive efforts to meet numerous poor students' needs.However,the policy is faced with problems such as banks' lack of confidence and students' lack of credit.Public finances can solve the problems.At present,public finance instead of commercial banks should perform the task of providing national student loa...